Texas · HMDA 2025
Mortgage lenders in Franklin County, TX
125 lenders reported 488 home-loan applications in Franklin County in 2025. 230 closed as loans ($78.6M), 95 were denied — a 27.1% denial rate on decided applications, above the Texas rate of 24.7%. The three most active lenders handled 19% of applications, led by Alliance Bank. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 488
- Loans originated
- 230
- Purchase / refinance
- 144 / 60
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Franklin County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Alliance Bank | 38 | 7.8% | — |
| 2 | 21st Mortgage Corporation | 32 | 6.6% | — |
| 3 | Rocket Mortgage, LLC | 25 | 5.1% | — |
| 4 | NEWREZ LLC | 18 | 3.7% | — |
| 5 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 18 | 3.7% | — |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLC | 17 | 3.5% | — |
| 7 | TRIAD FINANCIAL SERVICES, INC. | 17 | 3.5% | — |
| 8 | PENNYMAC LOAN SERVICES, LLC | 15 | 3.1% | — |
| 9 | The City National Bank of Sulphur Springs 78 out of 100, Strong | 15 | 3.1% | 13.8% |
| 10 | VANDERBILT MORTGAGE AND FINANCE, INC. | 14 | 2.9% | — |
| 11 | First National Bank of East Texas 60 out of 100, Moderate | 13 | 2.7% | 13.4% |
| 12 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 12 | 2.5% | 14.1% |
| 13 | AMERIHOME MORTGAGE COMPANY, LLC | 9 | 1.8% | — |
| 14 | LAKEVIEW LOAN SERVICING, LLC | 9 | 1.8% | — |
| 15 | Mortgage Research Center, LLC | 8 | 1.6% | — |
| 16 | CROSSCOUNTRY MORTGAGE, INC. | 7 | 1.4% | — |
| 17 | Broker Solutions, Inc. | 6 | 1.2% | — |
| 18 | CMG MORTGAGE, INC. | 5 | 1.0% | — |
| 19 | Fairway Independent Mortgage Corporation | 5 | 1.0% | — |
| 20 | Loandepot.Com, LLC | 5 | 1.0% | — |
| 21 | SOUTHWEST STAGE FUNDING, LLC | 5 | 1.0% | — |
| 22 | Guaranty Bank & Trust, N.A. | 5 | 1.0% | — |
| 23 | Glacier Bank 68 out of 100, Moderate | 5 | 1.0% | 20.0% |
| 24 | Cypress Bank, SSB | 5 | 1.0% | — |
| 25 | FirstBank 59 out of 100, Moderate | 5 | 1.0% | 42.8% |
| 26 | The First National Bank of Winnsboro 86 out of 100, Very strong | 5 | 1.0% | 20.7% |
| 27 | PHH Mortgage Corporation | 5 | 1.0% | — |
| 28 | Navy Federal Credit Union 66 out of 100, Moderate | 4 | 0.8% | 32.9% |
| 29 | Nations Lending Corporation | 4 | 0.8% | — |
| 30 | Texas Heritage National Bank 59 out of 100, Moderate | 4 | 0.8% | 7.1% |
| 31 | AMERICAN FINANCING CORPORATION | 4 | 0.8% | — |
| 32 | First United Bank and Trust Company 50 out of 100, Below average | 4 | 0.8% | 8.1% |
| 33 | INTEGRITY MORTGAGE CORPORATION OF TEXAS | 4 | 0.8% | — |
| 34 | GUARANTEED RATE, INC. | 3 | 0.6% | — |
| 35 | CREDIT UNION OF TEXAS 43 out of 100, Below average | 3 | 0.6% | 32.5% |
| 36 | PLANET HOME LENDING, LLC | 3 | 0.6% | — |
| 37 | SOUTHWEST FUNDING, LP | 3 | 0.6% | — |
| 38 | CORNERSTONE CAPITAL BANK, SSB 32 out of 100, Low | 3 | 0.6% | 2.2% |
| 39 | Pilgrim Bank 68 out of 100, Moderate | 3 | 0.6% | 11.2% |
| 40 | MUTUAL OF OMAHA MORTGAGE, INC. | 3 | 0.6% | — |
Top 40 of 125 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Texas
- Harris County 136,651 apps
- Bexar County 80,138 apps
- Tarrant County 70,673 apps
- Dallas County 66,728 apps
- Collin County 61,647 apps
- Denton County 51,801 apps
- Montgomery County 43,065 apps
- Travis County 40,887 apps
- Fort Bend County 37,670 apps
- Williamson County 34,119 apps
- El Paso County 27,236 apps
- Hidalgo County 20,066 apps